Tammy Flanagan

Tammy Flanagan has spent 30 years helping federal employees take charge of their retirement by understanding their benefits. She runs her own consulting business at and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement as well as the Federal Long Term Care insurance Program. She also serves as the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars.

For more retirement planning help, tune in to "For Your Benefit," presented by the National Institute of Transition Planning Inc. live on Federal News Radio on Mondays at 10 a.m. ET on WFED AM 1500 in the Washington-metro area. Archived shows are available on

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5 Things Agencies Must Do To Implement Phased Retirement

August 14, 2014 Last week, the Office of Personnel Management finally issued regulations implementing a phased retirement option for federal employees. Under the rules, eligible employees will be able to draw half of their retirement annuities while working half time at federal agencies. Employees will be able to begin submitting applications for phased...

5 Myths About Federal Retirement

August 7, 2014 One of the things I enjoy most about teaching classes and conducting webinars on the topic of pre-retirement planning is when I can bust a myth that is standing in the way of someone meeting his or her retirement goals. Sometimes these myths have been circulating so long that they’ve...

Can You Count On Social Security?

July 31, 2014 This week, I’m in Ocean City, Maryland, with my husband’s sister and her husband, Joe. They are typical American workers who are approaching retirement, so we spent a little time talking about Social Security. Joe works for the local government near our hometown near Pittsburgh, as the chief building inspector....

How to Get the Most from Your Social Security Benefit

July 24, 2014 Last week we explored the benefits and disadvantages of purchasing an annuity using the proceeds of your Thrift Savings Plan. This week, I’d like to consider another another question. Steven A. Sass, program director of the Financial Security Project, an initiative of the Center for Retirement Research at Boston College,...

Are You Afraid of Outliving Your Money?

July 17, 2014 One of the concerns I hear in my seminars over and over again is not having enough money to live on in retirement. During the first part of my seminars, we discuss the value of the government retirement benefit under either the Civil Service Retirement System or the Federal Employees...

When to Seek Financial Help

July 10, 2014 I recently received an email from someone who was considering hiring a financial adviser. Wisely, she had some questions she wanted to ask before she decided to turn over control of her financial future to someone else. I told her to anticipate that her adviser would come up with a...

Managing Your Retirement Money

June 26, 2014 The Thrift Savings Plan has been around for more than 27 years, so by now many federal employees who have been contributing since the beginning have sizeable nest eggs for their retirement years. In many cases, money invested in the TSP is the largest asset, besides a home, that a...

More Best Dates to Retire: Middle of the Month

June 19, 2014 Last week, I presented my annual Best Dates to Retire column and calendar, and generally described some of the best times to consider ending your federal career. They’re often at the end of a month (or the first few days following the end of a month). Sometimes, though, the end...

Best Dates to Retire 2015

June 12, 2014 Download the Calendar: Best Dates to Retire 2015 Are you financially ready to retire? Consider all your potential sources of retirement income: Will they provide enough money to cover your expenses for the next 20 to 30 years or more? Are you mentally prepared? Are you looking forward to your...

One Big Advantage of Retiring

June 5, 2014 I’ve met some very good federal retirement specialists over the years. One of them, Denise, recently wrote to let me know she won’t be there the next time I lecture at her agency. She’s not retiring from her job; she’s just retiring from her long commute by transferring to another...

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